
Atlantic American | 10-Q: FY2025 Q3 Revenue: USD 53.76 M

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Revenue: As of FY2025 Q3, the actual value is USD 53.76 M.
EPS: As of FY2025 Q3, the actual value is USD 0.02.
EBIT: As of FY2025 Q3, the actual value is USD 1.548 M.
American Southern Segment
- Net Earned Premiums: Increased by $6.3 million (38.8%) to $22.5 million for the three months ended September 30, 2025, and by $10.3 million (20.0%) to $61.9 million for the nine months ended September 30, 2025, compared to the same periods in 2024.
- Insurance Benefits and Losses Incurred: Increased by $4.0 million (28.4%) to $17.9 million for the three months ended September 30, 2025, and by $7.5 million (18.4%) to $48.5 million for the nine months ended September 30, 2025.
- Commissions and Underwriting Expenses: Increased by $0.3 million (6.6%) to $4.1 million for the three months ended September 30, 2025, and by $1.7 million (13.9%) to $13.6 million for the nine months ended September 30, 2025.
- Underwriting Income (Loss): Reported a loss of $0.2 million for the nine months ended September 30, 2025, compared to a loss of $1.3 million for the same period in 2024.
Bankers Fidelity Segment
- Net Earned Premiums: Increased by $1.9 million (6.9%) to $29.5 million for the three months ended September 30, 2025, and by $5.4 million (6.6%) to $87.1 million for the nine months ended September 30, 2025.
- Insurance Benefits and Losses Incurred: Increased by $0.7 million (4.4%) to $17.5 million for the three months ended September 30, 2025, and decreased by $1.0 million (1.9%) to $52.5 million for the nine months ended September 30, 2025.
- Commissions and Underwriting Expenses: Increased by $0.8 million (8.5%) to $10.8 million for the three months ended September 30, 2025, and by $0.4 million (1.3%) to $31.2 million for the nine months ended September 30, 2025.
- Underwriting Income (Loss): Reported income of $3.4 million for the nine months ended September 30, 2025, compared to a loss of $2.5 million for the same period in 2024.
Corporate, Other and Eliminations
- Total Revenue: $117 thousand for the three months ended September 30, 2025, and $289 thousand for the nine months ended September 30, 2025.
Cash Flow
- Net Cash Provided by Operating Activities: $15.2 million for the nine months ended September 30, 2025.
- Net Cash Used in Investing Activities: - $15.9 million for the nine months ended September 30, 2025.
Future Outlook and Strategy
- Core Business Focus: The company aims to increase premium revenue within the automobile liability, inland marine, and automobile physical damage lines of business in the property and casualty operations, as well as the Medicare supplement and group accident and health lines of business within the life and health operations.
- Non-Core Business: No specific plans related to divestitures or emerging segments were mentioned in the report.
Other Metrics
- Net Income (Loss): $0.6 million for the three months ended September 30, 2025, compared to a net loss of $2.0 million for the same period in 2024.
- Earnings (Loss) Per Common Share: $0.02 per diluted share for the three months ended September 30, 2025, compared to - $0.10 per diluted share for the same period in 2024.

